Job ID: 2504170 Job Description: Role Summary/Purpose: The AVP, Acquisition Fraud Strategy and Model Monitoring, is a multi–functional role within credit fraud acquisitions strategy team. The primary responsibilities include overseeing the performance of fraud models and conducting in-depth data analytics to identify underlying model performance issues and developing action plans for deteriorating models. The role will work closely with the Acquisition Fraud Strategy Model Developers as well as the Credit Strategy Validation team to create remediation plans when models used in Credit strategies are not performing as expected. Additional responsibilities include supporting the evaluation of new fraud models, fraud and technology tools, coordinating model roll-outs with the strategy team, as well as developing enhanced ongoing monitoring reporting. The AVP, Acquisition Fraud Strategy and Model Monitoring will report to the VP, Acquisition Fraud Strategy. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Conduct deep dives and root cause analysis on deteriorating models to identify underlying issues Develop tactical and strategic actions plans to address model performance issues Author narratives for on-going model monitoring executive summaries explaining technical concepts in easily understood language Develop thorough and detailed documentation to support the strategy team’s model development process to ensure consistency, transparency, and alignment with organizational goals Develop enhanced reporting to support fraud model performance monitoring Work cross functionally with fraud strategy leads to support their analytics of fraud strategies and models Work closely with implementation team to ensure that Acquisition Fraud Strategic goals are met and remove obstacles to meet those goals Perform model implementation validations and ensure strategies have the use of the best available tools and scores Support evaluating new fraud models and tools that can be leveraged in acquisitions, payments, and merchant underwriting Assist fraud strategy leads in the development of fraud strategies and analytics when time permits Partner with advanced modeling teams to drive targeting/treatment solutions that meet business objectives Collaborate with 2nd / 3rd line to ensure strong governance, safety & soundness of strategies. Fully support regulatory requests, internal reviews, audits and business continuity planning Partner with portfolio credit managers and client teams to launch new initiatives, communicate changes in a timely & effective manner, and ensure strategies are driving the desired P&L impacts Partner with compliance, legal, fair lending and audit as required   Perform ad hoc analytics, validations, and remediations as required Perform other duties and/or special projects as assigned. Qualifications/Requirements: Bachelor’s degree and 5+ years of experience building analytically derived strategies within Credit, Marketing, Risk or Collections in Financial services, or in lieu of a Bachelor's degree, 9+ years of experience building analytically derived strategies in Marketing, Risk or Collections in Financial services.  3+ years of experience working with statistical tools such as SAS, Python, Tableau.  Expert level proficiency with Excel  3+ years of experience in retail, business, installment loans, or private label credit. Excellent temperament and ability to work through uncertainty, collaborate respectfully across functions & teams, and find solutions to issues  Ability and flexibility to travel for business as required Desired Characteristics: Experience operating at a strategic level as part of a cross functional team Use of advanced technical & analytical competencies in driving effective strategic goals within a significant functional area Strong understanding of the consumer credit lending lifecycle and card programs Strong understanding of fraud models and their usage with fraud strategies Strong understanding of model evaluation metrics such as precision, recall, F1 Familiarity with modeling approaches such as logistic regression and tree ensembles Understanding of the Lines of Defense (2nd Line Strategy Validation and 3rd Line Internal Audit) Excellent oral and written communication skills with impact and influence Ability to multi–task and perform in a fast-paced environment Experience working alongside and in unison with off-shore teams Demonstrated ability to manage multiple projects, organize work flow and timelines Master’s Degree or MBA with advanced analytic focus, or equivalent advanced degree Grade/Level: 11 The salary range for this position is 115,000.00 – 200,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2503847 Job Description: Role Summary/Purpose: The AVP, PayPal Savings Technology Lead is responsible for providing technical expertise and process execution to support the PayPal Savings program. This individual acts as the technical point of contact, coordinating technology oversight, program delivery, solution architecture, governance, audits, issue management, and support the identification of key technology risks. This role will be responsible for oversight across cross functional and cross client teams to ensure compliance with Synchrony standards. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home, near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Partner with key stakeholders (including GMs, PayPal leaders, product and technology leads, architects and other stakeholders) to implement deposit product features and provide ongoing communication through project execution. Provide oversight over all the phases of SDLC including but not limited to technical requirements, design/architecture, build, testing, QA, and Production deployment. Manage technology relationship with PayPal and internal cross-functional business and technology teams. Support project and program management for the PayPal Savings program, focusing on Synchrony governance and oversight requirements of PayPal led initiatives Coordinate internal cross functional workstreams to ensure leadership is up to date on status of the program. Ability to analyze production defects, troubleshoot systems, identify root cause, and implement fixes. Own technology L3 governance activities related to PayPal Savings, including the ongoing identification, assessment of key operational risks (RCSA’s) and the effectiveness of controls that address those risks. Act as the primary technical liaison for internal and external audits, coordinating documentation requests, managing responses, and driving resolution of audit findings. Document IT oversight governance of key processes, reviews, controls, and governance processes, including but not limited to projects, production incidents, disaster recovery testing. Participate in issue management processes including Enterprise Governance, Risk Management and Compliance (EGRC) processes. Perform other duties and/or special projects as assigned. Qualifications/Requirements: Bachelor's degree in Computer Science, Engineering, or a related field with minimum 4+ years of experience in Information Technology OR in lieu of the Bachelor's degree, High School diploma and minimum 8 years of experience in Information Technology. Prior experience as technical lead/technical project or program manager Experience owning and delivering a mission critical projects on time and within budget Willing to work in a fast-paced environment with PayPal as well as internal cross functional teams Ability to develop and maintain strong collaborative relationships at all levels across IT and Business Stakeholders. Excellent written and oral communication skills. Adept at presenting complex topics, influencing and executing with timely / actionable follow-through. Desired Characteristics: Prior work experience in Banking/FinTech company Ability to drive strong partnerships with second line teams Demonstrated ability to manage complexity and multiple initiatives Experience in retail deposits, regulatory, or risk Experience dealing with sensitive data and software development in highly regulated environment Demonstrated experience in working with partners and clients Leadership experience operating at a strategic level as part of a cross functional team Experience operating as part of a cross functional team Use of advanced technical & analytical competencies in driving effective strategic goals Advanced experience with SAS/SQL or other related analytic tools Experience in leading QA teams Experience with Client/Partner management Grade/Level: 11 The salary range for this position is 90,000.00 – 155,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Information Technology Read Less

Job ID: 2503884 Job Description: Role Summary/Purpose: The VP, Fraud/GEN AI Validation COE is responsible for performing model validation for all the fraud models, and ensure they are meeting the related MRM policies, standards, procedures as well as regulations (SR 11-7). In addition, this role will establish and maintain a validation center of excellence to support the model governance team in designing the quality assurance process and leading the execution across all validations, act as an incubation center to test and run innovation, provide standardized training and staff development, and support the improvement of the model risk professional practice to improve the model stakeholder experience. This role requires high level of expertise with minimal technical supervision to serve as project lead as well as being accountable for validation results. The COE will closely partner with the model governance lead as well as other validation leads to drive tangible improvements to the model risk practice. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Candidate will be responsible for work related to model validation and validation COE, both of which are outlined below: Model Validation COE – The candidate is expected to draw experience from validation to establish a validation center of excellence and support the model governance lead to drive best practice, specifically the objectives of the COE are: GEN AI Model Risk Management: Lead the creation and implementation of a comprehensive, end-to-end governance framework for Generative AI models, establishing clear standards, procedures, documentation templates, and process to effectively manage model risks such as hallucination, accuracy, and bias. This framework will enable the organization to consistently monitor and control these critical aspects throughout the model lifecycle, ensuring reliable and trustworthy AI outputs with disciplined and transparent oversight. Quality assurance and Capacity Planning: Establish and maintain a quality assurance process to thoroughly review and assess validation practices. Proactively challenge the status quo to identify gaps or improvement opportunities in validation efforts. Provide guidance on best practices, support capacity planning, and collaborate with the Model Governance team to recommend and implement enhancements that strengthen the overall validation framework. Strategy & Innovation: Serve as an incubation center to explore, test, and implement innovative approaches—leveraging Generative AI capabilities—to accelerate and improve the speed, efficiency, and quality of model validation processes. Professional Practice: Support the Model Governance team to improve 1LOD model owner experience and bring value focused validation practice. Model Validation: Accountable for all fraud model risk management and drive the timeline and completion of the projects with minimal guidance. Supervisory role working with junior reviewers in validation projects. Handle escalation of issues and dispute with model owner level independently. See through the issues remediation, root cause analysis, and potential risk acceptance. Support regulatory examinations and internal audits of the modeling process and selected models samples. Perform other duties and/or special projects as assigned. Qualifications/Requirements: 5+ years of experience in acquisition/transaction fraud model development or model validation in financial services, with experience in CI/CD frameworks preferred. Experience in generative AI model validation, framework development, or complex use case development. Proven experience automating validation processes and reducing cycle times using AutoML, generative AI, and related tools, including the ability to design and build necessary supporting infrastructure Master’s degree in Statistics, Mathematics, Data Science, or a related quantitative field; or 9+ years of equivalent experience in model development/validation within financial services, banking, or retail. 4+ years hands-on experience with data science and statistical tools such as Python, SPARK, Data Lake, AWS SageMaker, H2O, and SAS. 4+ years of machine learning experience, including handling large datasets and trend analysis. 4+ years applying US regulatory requirements for Model Risk Management. Ability and flexibility to travel for business as required Desired Characteristics: Strong knowledge of Model Risk Management regulatory requirements with a proven track record of compliance delivery. Experience in people and project management, including developing actionable plans, executing effectively, and meeting deadline-driven objectives. Familiarity with credit card and consumer finance products and business models. Knowledge of Credit Card/Consumer Finance products and business model. Excellent written and oral communication and presentation skills. Grade/Level: 12 The salary range for this position is 135,000.00 – 230,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2503884 Job Description: Role Summary/Purpose: The VP, Fraud/GEN AI Validation COE is responsible for performing model validation for all the fraud models, and ensure they are meeting the related MRM policies, standards, procedures as well as regulations (SR 11-7). In addition, this role will establish and maintain a validation center of excellence to support the model governance team in designing the quality assurance process and leading the execution across all validations, act as an incubation center to test and run innovation, provide standardized training and staff development, and support the improvement of the model risk professional practice to improve the model stakeholder experience. This role requires high level of expertise with minimal technical supervision to serve as project lead as well as being accountable for validation results. The COE will closely partner with the model governance lead as well as other validation leads to drive tangible improvements to the model risk practice. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Candidate will be responsible for work related to model validation and validation COE, both of which are outlined below: Model Validation COE – The candidate is expected to draw experience from validation to establish a validation center of excellence and support the model governance lead to drive best practice, specifically the objectives of the COE are: GEN AI Model Risk Management: Lead the creation and implementation of a comprehensive, end-to-end governance framework for Generative AI models, establishing clear standards, procedures, documentation templates, and process to effectively manage model risks such as hallucination, accuracy, and bias. This framework will enable the organization to consistently monitor and control these critical aspects throughout the model lifecycle, ensuring reliable and trustworthy AI outputs with disciplined and transparent oversight. Quality assurance and Capacity Planning: Establish and maintain a quality assurance process to thoroughly review and assess validation practices. Proactively challenge the status quo to identify gaps or improvement opportunities in validation efforts. Provide guidance on best practices, support capacity planning, and collaborate with the Model Governance team to recommend and implement enhancements that strengthen the overall validation framework. Strategy & Innovation: Serve as an incubation center to explore, test, and implement innovative approaches—leveraging Generative AI capabilities—to accelerate and improve the speed, efficiency, and quality of model validation processes. Professional Practice: Support the Model Governance team to improve 1LOD model owner experience and bring value focused validation practice. Model Validation: Accountable for all fraud model risk management and drive the timeline and completion of the projects with minimal guidance. Supervisory role working with junior reviewers in validation projects. Handle escalation of issues and dispute with model owner level independently. See through the issues remediation, root cause analysis, and potential risk acceptance. Support regulatory examinations and internal audits of the modeling process and selected models samples. Perform other duties and/or special projects as assigned. Qualifications/Requirements: 5+ years of experience in acquisition/transaction fraud model development or model validation in financial services, with experience in CI/CD frameworks preferred. Experience in generative AI model validation, framework development, or complex use case development. Proven experience automating validation processes and reducing cycle times using AutoML, generative AI, and related tools, including the ability to design and build necessary supporting infrastructure Master’s degree in Statistics, Mathematics, Data Science, or a related quantitative field; or 9+ years of equivalent experience in model development/validation within financial services, banking, or retail. 4+ years hands-on experience with data science and statistical tools such as Python, SPARK, Data Lake, AWS SageMaker, H2O, and SAS. 4+ years of machine learning experience, including handling large datasets and trend analysis. 4+ years applying US regulatory requirements for Model Risk Management. Ability and flexibility to travel for business as required Desired Characteristics: Strong knowledge of Model Risk Management regulatory requirements with a proven track record of compliance delivery. Experience in people and project management, including developing actionable plans, executing effectively, and meeting deadline-driven objectives. Familiarity with credit card and consumer finance products and business models. Knowledge of Credit Card/Consumer Finance products and business model. Excellent written and oral communication and presentation skills. Grade/Level: 12 The salary range for this position is 135,000.00 – 230,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2503847 Job Description: Role Summary/Purpose: The AVP, PayPal Savings Technology Lead is responsible for providing technical expertise and process execution to support the PayPal Savings program. This individual acts as the technical point of contact, coordinating technology oversight, program delivery, solution architecture, governance, audits, issue management, and support the identification of key technology risks. This role will be responsible for oversight across cross functional and cross client teams to ensure compliance with Synchrony standards. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home, near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Partner with key stakeholders (including GMs, PayPal leaders, product and technology leads, architects and other stakeholders) to implement deposit product features and provide ongoing communication through project execution. Provide oversight over all the phases of SDLC including but not limited to technical requirements, design/architecture, build, testing, QA, and Production deployment. Manage technology relationship with PayPal and internal cross-functional business and technology teams. Support project and program management for the PayPal Savings program, focusing on Synchrony governance and oversight requirements of PayPal led initiatives Coordinate internal cross functional workstreams to ensure leadership is up to date on status of the program. Ability to analyze production defects, troubleshoot systems, identify root cause, and implement fixes. Own technology L3 governance activities related to PayPal Savings, including the ongoing identification, assessment of key operational risks (RCSA’s) and the effectiveness of controls that address those risks. Act as the primary technical liaison for internal and external audits, coordinating documentation requests, managing responses, and driving resolution of audit findings. Document IT oversight governance of key processes, reviews, controls, and governance processes, including but not limited to projects, production incidents, disaster recovery testing. Participate in issue management processes including Enterprise Governance, Risk Management and Compliance (EGRC) processes. Perform other duties and/or special projects as assigned. Qualifications/Requirements: Bachelor's degree in Computer Science, Engineering, or a related field with minimum 4+ years of experience in Information Technology OR in lieu of the Bachelor's degree, High School diploma and minimum 8 years of experience in Information Technology. Prior experience as technical lead/technical project or program manager Experience owning and delivering a mission critical projects on time and within budget Willing to work in a fast-paced environment with PayPal as well as internal cross functional teams Ability to develop and maintain strong collaborative relationships at all levels across IT and Business Stakeholders. Excellent written and oral communication skills. Adept at presenting complex topics, influencing and executing with timely / actionable follow-through. Desired Characteristics: Prior work experience in Banking/FinTech company Ability to drive strong partnerships with second line teams Demonstrated ability to manage complexity and multiple initiatives Experience in retail deposits, regulatory, or risk Experience dealing with sensitive data and software development in highly regulated environment Demonstrated experience in working with partners and clients Leadership experience operating at a strategic level as part of a cross functional team Experience operating as part of a cross functional team Use of advanced technical & analytical competencies in driving effective strategic goals Advanced experience with SAS/SQL or other related analytic tools Experience in leading QA teams Experience with Client/Partner management Grade/Level: 11 The salary range for this position is 90,000.00 – 155,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Information Technology Read Less

Job ID: 2502813 Job Description: Role Summary/Purpose: The VP, Recovery Legal Strategy will lead end-to-end strategy development and analytics for Synchrony’s Legal Recovery business, with responsibility for $100–150MM annual recovery income / net loss impact and $30–35MM expense budget. This role is accountable for delivering superior business performance through innovation and advanced analytics across the entire Legal Recovery process lifecycle. The VP develops, executes, and continuously optimizes strategies to maximize net loss reduction within budget and to ensure regulatory and compliance excellence. Collaborating closely with Recovery Operations, Legal, Compliance, Fair Lending Technology, Finance, and Business Intelligence / Reporting, this leader drives top-tier results through rigorous analytics and continuous business transformation. The person in this role will also be backup for the VP, Recovery Debt Sales Strategy role. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home, near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Own the development, testing, execution, and ongoing optimization of legal recovery strategies for all Synchrony businesses / platforms, clients and products, including segmentation, legal vs. non-legal channel optimization, legal channel management, and post-judgment recovery including dormant (non-performing) judgment strategies. Lead advanced analytics and predictive modeling initiatives (e.g., CHAID/CART, champion-challenger testing) to enhance legal recovery effectiveness, profitability, and efficiency. Lead rigorous business case development, risk assessment, implementation, and validation of all new or modified strategies, ensuring swift and successful rollouts. Develop a transformational legal recovery strategy vision and multi-year roadmap. Lead discussions with executives to ensure they understand and support the future state vision and roadmap. Conduct benchmarking and industry research to identify legal strategy and operational best practices. Actively manage a portfolio of legal recovery strategies, including tracking performance and providing regular updates to senior management and to other stakeholders. Drive cross-functional partnerships with Recovery Operations, Legal, Compliance, Fair Lending, Business Intelligence / Reporting, Model Development, external law firms, and other stakeholders to ensure aligned, effective, and compliant execution. Monitor legal recovery performance, capitalize on opportunities to improve liquidation rates, operational efficiencies, accuracy, and cost management. Ensure strict compliance with all applicable laws, regulations, regulatory guidelines and company policies; proactively prevent, detect, and remediate any Legal Recovery strategy issues. Develop, implement, and maintain robust documentation, controls, and governance for all legal recovery strategies / non-model tools (NMTs); lead legal strategy support for second line reviews, internal audits and regulatory exams. Perform other duties and/or special projects as assigned. Qualifications/Requirements: Bachelor’s degree in a quantitative major (e.g., STEM, economics, business); in lieu of a degree 11+ years of strategy, analytics, collections/recovery, risk, or legal/recovery management experience. 8+ years of strategy, analytics, collections/recovery, risk, or legal/recovery management experience. 5+ years of experience with data analytics and segmentation platforms (e.g., SAS, SQL, Python/R, CHAID / CART decision tree software). Desired Characteristics: 3+ years of experience leading legal recovery strategy, attorney management, or litigation recoveries in the financial industry (preferably for a credit card issuer). Expertise in legal/regulatory frameworks impacting recoveries (FDCPA, Fair Lending, UDAAP, etc.). Demonstrated success developing and executing strategy, testing protocols, and delivering measurable results in a regulated financial services environment. Experience managing processes, risks and controls. Exceptional communication, cross-functional leadership, and executive influencing skills. Outstanding project management, organizational, and change leadership abilities. Advanced degree (Master’s or JD) preferred. Grade/Level: 12 The salary range for this position is 135,000.00 – 230,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2503884 Job Description: Role Summary/Purpose: The VP, Fraud/GEN AI Validation COE is responsible for performing model validation for all the fraud models, and ensure they are meeting the related MRM policies, standards, procedures as well as regulations (SR 11-7). In addition, this role will establish and maintain a validation center of excellence to support the model governance team in designing the quality assurance process and leading the execution across all validations, act as an incubation center to test and run innovation, provide standardized training and staff development, and support the improvement of the model risk professional practice to improve the model stakeholder experience. This role requires high level of expertise with minimal technical supervision to serve as project lead as well as being accountable for validation results. The COE will closely partner with the model governance lead as well as other validation leads to drive tangible improvements to the model risk practice. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Candidate will be responsible for work related to model validation and validation COE, both of which are outlined below: Model Validation COE – The candidate is expected to draw experience from validation to establish a validation center of excellence and support the model governance lead to drive best practice, specifically the objectives of the COE are: GEN AI Model Risk Management: Lead the creation and implementation of a comprehensive, end-to-end governance framework for Generative AI models, establishing clear standards, procedures, documentation templates, and process to effectively manage model risks such as hallucination, accuracy, and bias. This framework will enable the organization to consistently monitor and control these critical aspects throughout the model lifecycle, ensuring reliable and trustworthy AI outputs with disciplined and transparent oversight. Quality assurance and Capacity Planning: Establish and maintain a quality assurance process to thoroughly review and assess validation practices. Proactively challenge the status quo to identify gaps or improvement opportunities in validation efforts. Provide guidance on best practices, support capacity planning, and collaborate with the Model Governance team to recommend and implement enhancements that strengthen the overall validation framework. Strategy & Innovation: Serve as an incubation center to explore, test, and implement innovative approaches—leveraging Generative AI capabilities—to accelerate and improve the speed, efficiency, and quality of model validation processes. Professional Practice: Support the Model Governance team to improve 1LOD model owner experience and bring value focused validation practice. Model Validation: Accountable for all fraud model risk management and drive the timeline and completion of the projects with minimal guidance. Supervisory role working with junior reviewers in validation projects. Handle escalation of issues and dispute with model owner level independently. See through the issues remediation, root cause analysis, and potential risk acceptance. Support regulatory examinations and internal audits of the modeling process and selected models samples. Perform other duties and/or special projects as assigned. Qualifications/Requirements: 5+ years of experience in acquisition/transaction fraud model development or model validation in financial services, with experience in CI/CD frameworks preferred. Experience in generative AI model validation, framework development, or complex use case development. Proven experience automating validation processes and reducing cycle times using AutoML, generative AI, and related tools, including the ability to design and build necessary supporting infrastructure Master’s degree in Statistics, Mathematics, Data Science, or a related quantitative field; or 9+ years of equivalent experience in model development/validation within financial services, banking, or retail. 4+ years hands-on experience with data science and statistical tools such as Python, SPARK, Data Lake, AWS SageMaker, H2O, and SAS. 4+ years of machine learning experience, including handling large datasets and trend analysis. 4+ years applying US regulatory requirements for Model Risk Management. Ability and flexibility to travel for business as required Desired Characteristics: Strong knowledge of Model Risk Management regulatory requirements with a proven track record of compliance delivery. Experience in people and project management, including developing actionable plans, executing effectively, and meeting deadline-driven objectives. Familiarity with credit card and consumer finance products and business models. Knowledge of Credit Card/Consumer Finance products and business model. Excellent written and oral communication and presentation skills. Grade/Level: 12 The salary range for this position is 135,000.00 – 230,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2504170 Job Description: Role Summary/Purpose: The AVP, Acquisition Fraud Strategy and Model Monitoring, is a multi–functional role within credit fraud acquisitions strategy team. The primary responsibilities include overseeing the performance of fraud models and conducting in-depth data analytics to identify underlying model performance issues and developing action plans for deteriorating models. The role will work closely with the Acquisition Fraud Strategy Model Developers as well as the Credit Strategy Validation team to create remediation plans when models used in Credit strategies are not performing as expected. Additional responsibilities include supporting the evaluation of new fraud models, fraud and technology tools, coordinating model roll-outs with the strategy team, as well as developing enhanced ongoing monitoring reporting. The AVP, Acquisition Fraud Strategy and Model Monitoring will report to the VP, Acquisition Fraud Strategy. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Conduct deep dives and root cause analysis on deteriorating models to identify underlying issues Develop tactical and strategic actions plans to address model performance issues Author narratives for on-going model monitoring executive summaries explaining technical concepts in easily understood language Develop thorough and detailed documentation to support the strategy team’s model development process to ensure consistency, transparency, and alignment with organizational goals Develop enhanced reporting to support fraud model performance monitoring Work cross functionally with fraud strategy leads to support their analytics of fraud strategies and models Work closely with implementation team to ensure that Acquisition Fraud Strategic goals are met and remove obstacles to meet those goals Perform model implementation validations and ensure strategies have the use of the best available tools and scores Support evaluating new fraud models and tools that can be leveraged in acquisitions, payments, and merchant underwriting Assist fraud strategy leads in the development of fraud strategies and analytics when time permits Partner with advanced modeling teams to drive targeting/treatment solutions that meet business objectives Collaborate with 2nd / 3rd line to ensure strong governance, safety & soundness of strategies. Fully support regulatory requests, internal reviews, audits and business continuity planning Partner with portfolio credit managers and client teams to launch new initiatives, communicate changes in a timely & effective manner, and ensure strategies are driving the desired P&L impacts Partner with compliance, legal, fair lending and audit as required   Perform ad hoc analytics, validations, and remediations as required Perform other duties and/or special projects as assigned. Qualifications/Requirements: Bachelor’s degree and 5+ years of experience building analytically derived strategies within Credit, Marketing, Risk or Collections in Financial services, or in lieu of a Bachelor's degree, 9+ years of experience building analytically derived strategies in Marketing, Risk or Collections in Financial services.  3+ years of experience working with statistical tools such as SAS, Python, Tableau.  Expert level proficiency with Excel  3+ years of experience in retail, business, installment loans, or private label credit. Excellent temperament and ability to work through uncertainty, collaborate respectfully across functions & teams, and find solutions to issues  Ability and flexibility to travel for business as required Desired Characteristics: Experience operating at a strategic level as part of a cross functional team Use of advanced technical & analytical competencies in driving effective strategic goals within a significant functional area Strong understanding of the consumer credit lending lifecycle and card programs Strong understanding of fraud models and their usage with fraud strategies Strong understanding of model evaluation metrics such as precision, recall, F1 Familiarity with modeling approaches such as logistic regression and tree ensembles Understanding of the Lines of Defense (2nd Line Strategy Validation and 3rd Line Internal Audit) Excellent oral and written communication skills with impact and influence Ability to multi–task and perform in a fast-paced environment Experience working alongside and in unison with off-shore teams Demonstrated ability to manage multiple projects, organize work flow and timelines Master’s Degree or MBA with advanced analytic focus, or equivalent advanced degree Grade/Level: 11 The salary range for this position is 115,000.00 – 200,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2504170 Job Description: Role Summary/Purpose: The AVP, Acquisition Fraud Strategy and Model Monitoring, is a multi–functional role within credit fraud acquisitions strategy team. The primary responsibilities include overseeing the performance of fraud models and conducting in-depth data analytics to identify underlying model performance issues and developing action plans for deteriorating models. The role will work closely with the Acquisition Fraud Strategy Model Developers as well as the Credit Strategy Validation team to create remediation plans when models used in Credit strategies are not performing as expected. Additional responsibilities include supporting the evaluation of new fraud models, fraud and technology tools, coordinating model roll-outs with the strategy team, as well as developing enhanced ongoing monitoring reporting. The AVP, Acquisition Fraud Strategy and Model Monitoring will report to the VP, Acquisition Fraud Strategy. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Conduct deep dives and root cause analysis on deteriorating models to identify underlying issues Develop tactical and strategic actions plans to address model performance issues Author narratives for on-going model monitoring executive summaries explaining technical concepts in easily understood language Develop thorough and detailed documentation to support the strategy team’s model development process to ensure consistency, transparency, and alignment with organizational goals Develop enhanced reporting to support fraud model performance monitoring Work cross functionally with fraud strategy leads to support their analytics of fraud strategies and models Work closely with implementation team to ensure that Acquisition Fraud Strategic goals are met and remove obstacles to meet those goals Perform model implementation validations and ensure strategies have the use of the best available tools and scores Support evaluating new fraud models and tools that can be leveraged in acquisitions, payments, and merchant underwriting Assist fraud strategy leads in the development of fraud strategies and analytics when time permits Partner with advanced modeling teams to drive targeting/treatment solutions that meet business objectives Collaborate with 2nd / 3rd line to ensure strong governance, safety & soundness of strategies. Fully support regulatory requests, internal reviews, audits and business continuity planning Partner with portfolio credit managers and client teams to launch new initiatives, communicate changes in a timely & effective manner, and ensure strategies are driving the desired P&L impacts Partner with compliance, legal, fair lending and audit as required   Perform ad hoc analytics, validations, and remediations as required Perform other duties and/or special projects as assigned. Qualifications/Requirements: Bachelor’s degree and 5+ years of experience building analytically derived strategies within Credit, Marketing, Risk or Collections in Financial services, or in lieu of a Bachelor's degree, 9+ years of experience building analytically derived strategies in Marketing, Risk or Collections in Financial services.  3+ years of experience working with statistical tools such as SAS, Python, Tableau.  Expert level proficiency with Excel  3+ years of experience in retail, business, installment loans, or private label credit. Excellent temperament and ability to work through uncertainty, collaborate respectfully across functions & teams, and find solutions to issues  Ability and flexibility to travel for business as required Desired Characteristics: Experience operating at a strategic level as part of a cross functional team Use of advanced technical & analytical competencies in driving effective strategic goals within a significant functional area Strong understanding of the consumer credit lending lifecycle and card programs Strong understanding of fraud models and their usage with fraud strategies Strong understanding of model evaluation metrics such as precision, recall, F1 Familiarity with modeling approaches such as logistic regression and tree ensembles Understanding of the Lines of Defense (2nd Line Strategy Validation and 3rd Line Internal Audit) Excellent oral and written communication skills with impact and influence Ability to multi–task and perform in a fast-paced environment Experience working alongside and in unison with off-shore teams Demonstrated ability to manage multiple projects, organize work flow and timelines Master’s Degree or MBA with advanced analytic focus, or equivalent advanced degree Grade/Level: 11 The salary range for this position is 115,000.00 – 200,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2502813 Job Description: Role Summary/Purpose: The VP, Recovery Legal Strategy will lead end-to-end strategy development and analytics for Synchrony’s Legal Recovery business, with responsibility for $100–150MM annual recovery income / net loss impact and $30–35MM expense budget. This role is accountable for delivering superior business performance through innovation and advanced analytics across the entire Legal Recovery process lifecycle. The VP develops, executes, and continuously optimizes strategies to maximize net loss reduction within budget and to ensure regulatory and compliance excellence. Collaborating closely with Recovery Operations, Legal, Compliance, Fair Lending Technology, Finance, and Business Intelligence / Reporting, this leader drives top-tier results through rigorous analytics and continuous business transformation. The person in this role will also be backup for the VP, Recovery Debt Sales Strategy role. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home, near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Own the development, testing, execution, and ongoing optimization of legal recovery strategies for all Synchrony businesses / platforms, clients and products, including segmentation, legal vs. non-legal channel optimization, legal channel management, and post-judgment recovery including dormant (non-performing) judgment strategies. Lead advanced analytics and predictive modeling initiatives (e.g., CHAID/CART, champion-challenger testing) to enhance legal recovery effectiveness, profitability, and efficiency. Lead rigorous business case development, risk assessment, implementation, and validation of all new or modified strategies, ensuring swift and successful rollouts. Develop a transformational legal recovery strategy vision and multi-year roadmap. Lead discussions with executives to ensure they understand and support the future state vision and roadmap. Conduct benchmarking and industry research to identify legal strategy and operational best practices. Actively manage a portfolio of legal recovery strategies, including tracking performance and providing regular updates to senior management and to other stakeholders. Drive cross-functional partnerships with Recovery Operations, Legal, Compliance, Fair Lending, Business Intelligence / Reporting, Model Development, external law firms, and other stakeholders to ensure aligned, effective, and compliant execution. Monitor legal recovery performance, capitalize on opportunities to improve liquidation rates, operational efficiencies, accuracy, and cost management. Ensure strict compliance with all applicable laws, regulations, regulatory guidelines and company policies; proactively prevent, detect, and remediate any Legal Recovery strategy issues. Develop, implement, and maintain robust documentation, controls, and governance for all legal recovery strategies / non-model tools (NMTs); lead legal strategy support for second line reviews, internal audits and regulatory exams. Perform other duties and/or special projects as assigned. Qualifications/Requirements: Bachelor’s degree in a quantitative major (e.g., STEM, economics, business); in lieu of a degree 11+ years of strategy, analytics, collections/recovery, risk, or legal/recovery management experience. 8+ years of strategy, analytics, collections/recovery, risk, or legal/recovery management experience. 5+ years of experience with data analytics and segmentation platforms (e.g., SAS, SQL, Python/R, CHAID / CART decision tree software). Desired Characteristics: 3+ years of experience leading legal recovery strategy, attorney management, or litigation recoveries in the financial industry (preferably for a credit card issuer). Expertise in legal/regulatory frameworks impacting recoveries (FDCPA, Fair Lending, UDAAP, etc.). Demonstrated success developing and executing strategy, testing protocols, and delivering measurable results in a regulated financial services environment. Experience managing processes, risks and controls. Exceptional communication, cross-functional leadership, and executive influencing skills. Outstanding project management, organizational, and change leadership abilities. Advanced degree (Master’s or JD) preferred. Grade/Level: 12 The salary range for this position is 135,000.00 – 230,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2503847 Job Description: Role Summary/Purpose: The AVP, PayPal Savings Technology Lead is responsible for providing technical expertise and process execution to support the PayPal Savings program. This individual acts as the technical point of contact, coordinating technology oversight, program delivery, solution architecture, governance, audits, issue management, and support the identification of key technology risks. This role will be responsible for oversight across cross functional and cross client teams to ensure compliance with Synchrony standards. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home, near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Partner with key stakeholders (including GMs, PayPal leaders, product and technology leads, architects and other stakeholders) to implement deposit product features and provide ongoing communication through project execution. Provide oversight over all the phases of SDLC including but not limited to technical requirements, design/architecture, build, testing, QA, and Production deployment. Manage technology relationship with PayPal and internal cross-functional business and technology teams. Support project and program management for the PayPal Savings program, focusing on Synchrony governance and oversight requirements of PayPal led initiatives Coordinate internal cross functional workstreams to ensure leadership is up to date on status of the program. Ability to analyze production defects, troubleshoot systems, identify root cause, and implement fixes. Own technology L3 governance activities related to PayPal Savings, including the ongoing identification, assessment of key operational risks (RCSA’s) and the effectiveness of controls that address those risks. Act as the primary technical liaison for internal and external audits, coordinating documentation requests, managing responses, and driving resolution of audit findings. Document IT oversight governance of key processes, reviews, controls, and governance processes, including but not limited to projects, production incidents, disaster recovery testing. Participate in issue management processes including Enterprise Governance, Risk Management and Compliance (EGRC) processes. Perform other duties and/or special projects as assigned. Qualifications/Requirements: Bachelor's degree in Computer Science, Engineering, or a related field with minimum 4+ years of experience in Information Technology OR in lieu of the Bachelor's degree, High School diploma and minimum 8 years of experience in Information Technology. Prior experience as technical lead/technical project or program manager Experience owning and delivering a mission critical projects on time and within budget Willing to work in a fast-paced environment with PayPal as well as internal cross functional teams Ability to develop and maintain strong collaborative relationships at all levels across IT and Business Stakeholders. Excellent written and oral communication skills. Adept at presenting complex topics, influencing and executing with timely / actionable follow-through. Desired Characteristics: Prior work experience in Banking/FinTech company Ability to drive strong partnerships with second line teams Demonstrated ability to manage complexity and multiple initiatives Experience in retail deposits, regulatory, or risk Experience dealing with sensitive data and software development in highly regulated environment Demonstrated experience in working with partners and clients Leadership experience operating at a strategic level as part of a cross functional team Experience operating as part of a cross functional team Use of advanced technical & analytical competencies in driving effective strategic goals Advanced experience with SAS/SQL or other related analytic tools Experience in leading QA teams Experience with Client/Partner management Grade/Level: 11 The salary range for this position is 90,000.00 – 155,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Information Technology Read Less

Job ID: 2504298 Job Description: Role Summary/Purpose: The SVP, Chief Credit Officer H&A Platform will spearhead the credit management efforts for all Home & Auto clients. The CCO will play a critical role in leading the credit strategy, risk management, and decisioning framework for Synchrony’s home and automotive lending portfolios. This executive will ensure the platform’s credit quality aligns with corporate risk appetite while supporting growth ambitions and delivering an exceptional customer experience. Key responsibilities include ensuring the financial integrity of deal pricing by managing credit and fraud loss exposures and delivering targeted returns for H&A clients. The role encompasses comprehensive credit and operational risk assessments, delinquency and loss mitigation strategies, portfolio performance monitoring, and active contribution to credit and fraud strategies within Acquisition and Account Management functions. As the primary credit risk liaison, this role collaborates closely with H&A platform clients, the Home & Auto Platform CEO, and commercial leadership to align credit risk strategies with overall business objectives. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Responsible for managing portfolio credit and fraud losses as well as portfolio returns Provide the guidance to all H&A portfolio credit managers in managing credit and fraud losses and driving prudent growth for SYF and our clients Work closely with the partners to minimize both Synchrony’s and the partners’ risk, while continuing to grow all H&A clients. Oversee and lead all credit related activities that support both the business development team and pricing team for all potential prospect clients and existing renewals across all SYF clients Work effectively in the cross functional leadership team to drive prudent growth and client satisfaction delivering safety and soundness in all H&A clients. Prepare and deliver client facing and leadership team presentations to facilitate informed decisions. Coordinate planning cycle with client teams to ensure consistency in business plans Responsible for providing clear guidance to the organization on risk appetite and prudent growth. Maintain effective and credible challenge of critical decisions and business processes. Perform other duties and/or special projects as assigned Qualifications/Requirements: Bachelor's Degree and 12+ years of experience in consumer risk management, credit management, or similar role; in lieu of a degree 15+ years of experience in consumer risk management 10+ years’ leadership experience in enterprise portfolio credit risk management for consumer accounts 4+ years of experience interacting and engaging with clients/partners directly or via strategy design and deployment to achieve business objectives 7+ years of experience guiding development of Consumer Credit Risk Strategies 2+ years of experience with SAS/SQL or other data analytics tools 8+ years’ experience managing professionals Significant travel required (may be 50%+) Ability and flexibility to travel for business as required Desired Characteristics: Master's Degree or MBA with advanced analytic focus, or equivalent Strong overall knowledge of card business including risk, collections, operations, marketing and finance – to understand integration of and impact on credit decisions Strong Financial Analysis skills; ability to assess/understand the impact of credit and underwriting decisions and implementation on portfolio performance Experience leveraging data to engage, influence and share a compelling story to various levels within the organization and with the client Effective leadership and talent management Ability to communicate clearly and leverage critical thinking Use of advanced technical & analytical competencies in driving effective strategic goals within a significant functional area Familiarity with consumer and commercial lending products and practices Experience operating at a strategic level as part of a senior leadership team Strong industry and business knowledge including fundamental knowledge of P&L and Credit Products and Lifecycle Grade/Level: 16 The salary range for this position is 235,000.00 – 390,000.00 USD Annual. This position is also eligible for an Annual Incentive Plan target of 30% of salary and an Annual Equity target of 30% of salary. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2502372 Job Description: Role Summary/Purpose: As the VP, Human Resources – Technology & Operations, you’ll serve as a business partner for exempt employees and their teams of non-exempt employees across the Global Servicing team. This position plays a key role with business clients as a strategic partner, diversity champion, change management leader, and employee advocate. You will collaborate with stakeholders and foster a culture of innovation to help drive results for high-performance teams, an inclusive culture, and a positive employee experience. Additionally, this role will help lead initiatives and drive engagement for virtual & hybrid hubs in Cincinnati-West Chester, OH and Rapid City, SD. Candidates should be located near one of these hubs, Cincinnati-West Chester, OH is preferred. Essential Responsibilities: Provide HR business partner support for clients across the Global Servicing organization Partner with leaders to provide strategic direction and delivery related to staffing and retention, succession management, talent development, employee relations, resource planning, compensation and benefits, and performance management Develop and implement impactful engagement plans in support of Synchrony’s culture, values, and to champion diversity and flexibility Collaborate with leaders and their teams to effectively manage change within the function, hub, and across the organization Manage trust-based stakeholder and employee relationships proactively Support the development of capabilities to improve leadership, succession, and people management effectiveness through coaching, identifying programs, and facilitating team sessions Work with external staffing organizations to identify and recruit key talent and to foster a diverse candidate pipeline Lead other initiatives or projects as assigned Qualifications/Requirements: Bachelor's degree or in lieu of a degree 9+ years of experience in Human Resources, ideally in an HR Generalist role 5+ years of increasing HR Generalist experience in Human Resources 5+ years of project management/strategic partnering experience Experience supporting multiple executive/senior level clients and their organizations including both exempt and non-exempt employees Experience supporting a geographically diverse, matrixed client group Desired Characteristics: Experience within financial services and/or technology organizations Human Resources experience in a call center environment 2+ years' experience working with remote/virtual teams Master’s degree in Human Resources or Business-Related Field Demonstrated strength in coaching, employee relations and conflict resolution Excellent verbal and written communication, interpersonal, organizational, and multi-tasking skills Very strong influence, relationship building and change management skills Demonstrated ability to drive HR processes and to deliver high quality HR services in a fast paced, high change environment Grade/Level: 12 The salary range for this position is 110,000.00 – 185,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Human Resources Read Less

Job ID: 2504298 Job Description: Role Summary/Purpose: The SVP, Chief Credit Officer H&A Platform will spearhead the credit management efforts for all Home & Auto clients. The CCO will play a critical role in leading the credit strategy, risk management, and decisioning framework for Synchrony’s home and automotive lending portfolios. This executive will ensure the platform’s credit quality aligns with corporate risk appetite while supporting growth ambitions and delivering an exceptional customer experience. Key responsibilities include ensuring the financial integrity of deal pricing by managing credit and fraud loss exposures and delivering targeted returns for H&A clients. The role encompasses comprehensive credit and operational risk assessments, delinquency and loss mitigation strategies, portfolio performance monitoring, and active contribution to credit and fraud strategies within Acquisition and Account Management functions. As the primary credit risk liaison, this role collaborates closely with H&A platform clients, the Home & Auto Platform CEO, and commercial leadership to align credit risk strategies with overall business objectives. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Responsible for managing portfolio credit and fraud losses as well as portfolio returns Provide the guidance to all H&A portfolio credit managers in managing credit and fraud losses and driving prudent growth for SYF and our clients Work closely with the partners to minimize both Synchrony’s and the partners’ risk, while continuing to grow all H&A clients. Oversee and lead all credit related activities that support both the business development team and pricing team for all potential prospect clients and existing renewals across all SYF clients Work effectively in the cross functional leadership team to drive prudent growth and client satisfaction delivering safety and soundness in all H&A clients. Prepare and deliver client facing and leadership team presentations to facilitate informed decisions. Coordinate planning cycle with client teams to ensure consistency in business plans Responsible for providing clear guidance to the organization on risk appetite and prudent growth. Maintain effective and credible challenge of critical decisions and business processes. Perform other duties and/or special projects as assigned Qualifications/Requirements: Bachelor's Degree and 12+ years of experience in consumer risk management, credit management, or similar role; in lieu of a degree 15+ years of experience in consumer risk management 10+ years’ leadership experience in enterprise portfolio credit risk management for consumer accounts 4+ years of experience interacting and engaging with clients/partners directly or via strategy design and deployment to achieve business objectives 7+ years of experience guiding development of Consumer Credit Risk Strategies 2+ years of experience with SAS/SQL or other data analytics tools 8+ years’ experience managing professionals Significant travel required (may be 50%+) Ability and flexibility to travel for business as required Desired Characteristics: Master's Degree or MBA with advanced analytic focus, or equivalent Strong overall knowledge of card business including risk, collections, operations, marketing and finance – to understand integration of and impact on credit decisions Strong Financial Analysis skills; ability to assess/understand the impact of credit and underwriting decisions and implementation on portfolio performance Experience leveraging data to engage, influence and share a compelling story to various levels within the organization and with the client Effective leadership and talent management Ability to communicate clearly and leverage critical thinking Use of advanced technical & analytical competencies in driving effective strategic goals within a significant functional area Familiarity with consumer and commercial lending products and practices Experience operating at a strategic level as part of a senior leadership team Strong industry and business knowledge including fundamental knowledge of P&L and Credit Products and Lifecycle Grade/Level: 16 The salary range for this position is 235,000.00 – 390,000.00 USD Annual. This position is also eligible for an Annual Incentive Plan target of 30% of salary and an Annual Equity target of 30% of salary. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2502813 Job Description: Role Summary/Purpose: The VP, Recovery Legal Strategy will lead end-to-end strategy development and analytics for Synchrony’s Legal Recovery business, with responsibility for $100–150MM annual recovery income / net loss impact and $30–35MM expense budget. This role is accountable for delivering superior business performance through innovation and advanced analytics across the entire Legal Recovery process lifecycle. The VP develops, executes, and continuously optimizes strategies to maximize net loss reduction within budget and to ensure regulatory and compliance excellence. Collaborating closely with Recovery Operations, Legal, Compliance, Fair Lending Technology, Finance, and Business Intelligence / Reporting, this leader drives top-tier results through rigorous analytics and continuous business transformation. The person in this role will also be backup for the VP, Recovery Debt Sales Strategy role. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home, near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Own the development, testing, execution, and ongoing optimization of legal recovery strategies for all Synchrony businesses / platforms, clients and products, including segmentation, legal vs. non-legal channel optimization, legal channel management, and post-judgment recovery including dormant (non-performing) judgment strategies. Lead advanced analytics and predictive modeling initiatives (e.g., CHAID/CART, champion-challenger testing) to enhance legal recovery effectiveness, profitability, and efficiency. Lead rigorous business case development, risk assessment, implementation, and validation of all new or modified strategies, ensuring swift and successful rollouts. Develop a transformational legal recovery strategy vision and multi-year roadmap. Lead discussions with executives to ensure they understand and support the future state vision and roadmap. Conduct benchmarking and industry research to identify legal strategy and operational best practices. Actively manage a portfolio of legal recovery strategies, including tracking performance and providing regular updates to senior management and to other stakeholders. Drive cross-functional partnerships with Recovery Operations, Legal, Compliance, Fair Lending, Business Intelligence / Reporting, Model Development, external law firms, and other stakeholders to ensure aligned, effective, and compliant execution. Monitor legal recovery performance, capitalize on opportunities to improve liquidation rates, operational efficiencies, accuracy, and cost management. Ensure strict compliance with all applicable laws, regulations, regulatory guidelines and company policies; proactively prevent, detect, and remediate any Legal Recovery strategy issues. Develop, implement, and maintain robust documentation, controls, and governance for all legal recovery strategies / non-model tools (NMTs); lead legal strategy support for second line reviews, internal audits and regulatory exams. Perform other duties and/or special projects as assigned. Qualifications/Requirements: Bachelor’s degree in a quantitative major (e.g., STEM, economics, business); in lieu of a degree 11+ years of strategy, analytics, collections/recovery, risk, or legal/recovery management experience. 8+ years of strategy, analytics, collections/recovery, risk, or legal/recovery management experience. 5+ years of experience with data analytics and segmentation platforms (e.g., SAS, SQL, Python/R, CHAID / CART decision tree software). Desired Characteristics: 3+ years of experience leading legal recovery strategy, attorney management, or litigation recoveries in the financial industry (preferably for a credit card issuer). Expertise in legal/regulatory frameworks impacting recoveries (FDCPA, Fair Lending, UDAAP, etc.). Demonstrated success developing and executing strategy, testing protocols, and delivering measurable results in a regulated financial services environment. Experience managing processes, risks and controls. Exceptional communication, cross-functional leadership, and executive influencing skills. Outstanding project management, organizational, and change leadership abilities. Advanced degree (Master’s or JD) preferred. Grade/Level: 12 The salary range for this position is 135,000.00 – 230,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2503847 Job Description: Role Summary/Purpose: The AVP, PayPal Savings Technology Lead is responsible for providing technical expertise and process execution to support the PayPal Savings program. This individual acts as the technical point of contact, coordinating technology oversight, program delivery, solution architecture, governance, audits, issue management, and support the identification of key technology risks. This role will be responsible for oversight across cross functional and cross client teams to ensure compliance with Synchrony standards. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home, near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Partner with key stakeholders (including GMs, PayPal leaders, product and technology leads, architects and other stakeholders) to implement deposit product features and provide ongoing communication through project execution. Provide oversight over all the phases of SDLC including but not limited to technical requirements, design/architecture, build, testing, QA, and Production deployment. Manage technology relationship with PayPal and internal cross-functional business and technology teams. Support project and program management for the PayPal Savings program, focusing on Synchrony governance and oversight requirements of PayPal led initiatives Coordinate internal cross functional workstreams to ensure leadership is up to date on status of the program. Ability to analyze production defects, troubleshoot systems, identify root cause, and implement fixes. Own technology L3 governance activities related to PayPal Savings, including the ongoing identification, assessment of key operational risks (RCSA’s) and the effectiveness of controls that address those risks. Act as the primary technical liaison for internal and external audits, coordinating documentation requests, managing responses, and driving resolution of audit findings. Document IT oversight governance of key processes, reviews, controls, and governance processes, including but not limited to projects, production incidents, disaster recovery testing. Participate in issue management processes including Enterprise Governance, Risk Management and Compliance (EGRC) processes. Perform other duties and/or special projects as assigned. Qualifications/Requirements: Bachelor's degree in Computer Science, Engineering, or a related field with minimum 4+ years of experience in Information Technology OR in lieu of the Bachelor's degree, High School diploma and minimum 8 years of experience in Information Technology. Prior experience as technical lead/technical project or program manager Experience owning and delivering a mission critical projects on time and within budget Willing to work in a fast-paced environment with PayPal as well as internal cross functional teams Ability to develop and maintain strong collaborative relationships at all levels across IT and Business Stakeholders. Excellent written and oral communication skills. Adept at presenting complex topics, influencing and executing with timely / actionable follow-through. Desired Characteristics: Prior work experience in Banking/FinTech company Ability to drive strong partnerships with second line teams Demonstrated ability to manage complexity and multiple initiatives Experience in retail deposits, regulatory, or risk Experience dealing with sensitive data and software development in highly regulated environment Demonstrated experience in working with partners and clients Leadership experience operating at a strategic level as part of a cross functional team Experience operating as part of a cross functional team Use of advanced technical & analytical competencies in driving effective strategic goals Advanced experience with SAS/SQL or other related analytic tools Experience in leading QA teams Experience with Client/Partner management Grade/Level: 11 The salary range for this position is 90,000.00 – 155,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Information Technology Read Less

Job ID: 2504298 Job Description: Role Summary/Purpose: The SVP, Chief Credit Officer H&A Platform will spearhead the credit management efforts for all Home & Auto clients. The CCO will play a critical role in leading the credit strategy, risk management, and decisioning framework for Synchrony’s home and automotive lending portfolios. This executive will ensure the platform’s credit quality aligns with corporate risk appetite while supporting growth ambitions and delivering an exceptional customer experience. Key responsibilities include ensuring the financial integrity of deal pricing by managing credit and fraud loss exposures and delivering targeted returns for H&A clients. The role encompasses comprehensive credit and operational risk assessments, delinquency and loss mitigation strategies, portfolio performance monitoring, and active contribution to credit and fraud strategies within Acquisition and Account Management functions. As the primary credit risk liaison, this role collaborates closely with H&A platform clients, the Home & Auto Platform CEO, and commercial leadership to align credit risk strategies with overall business objectives. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Responsible for managing portfolio credit and fraud losses as well as portfolio returns Provide the guidance to all H&A portfolio credit managers in managing credit and fraud losses and driving prudent growth for SYF and our clients Work closely with the partners to minimize both Synchrony’s and the partners’ risk, while continuing to grow all H&A clients. Oversee and lead all credit related activities that support both the business development team and pricing team for all potential prospect clients and existing renewals across all SYF clients Work effectively in the cross functional leadership team to drive prudent growth and client satisfaction delivering safety and soundness in all H&A clients. Prepare and deliver client facing and leadership team presentations to facilitate informed decisions. Coordinate planning cycle with client teams to ensure consistency in business plans Responsible for providing clear guidance to the organization on risk appetite and prudent growth. Maintain effective and credible challenge of critical decisions and business processes. Perform other duties and/or special projects as assigned Qualifications/Requirements: Bachelor's Degree and 12+ years of experience in consumer risk management, credit management, or similar role; in lieu of a degree 15+ years of experience in consumer risk management 10+ years’ leadership experience in enterprise portfolio credit risk management for consumer accounts 4+ years of experience interacting and engaging with clients/partners directly or via strategy design and deployment to achieve business objectives 7+ years of experience guiding development of Consumer Credit Risk Strategies 2+ years of experience with SAS/SQL or other data analytics tools 8+ years’ experience managing professionals Significant travel required (may be 50%+) Ability and flexibility to travel for business as required Desired Characteristics: Master's Degree or MBA with advanced analytic focus, or equivalent Strong overall knowledge of card business including risk, collections, operations, marketing and finance – to understand integration of and impact on credit decisions Strong Financial Analysis skills; ability to assess/understand the impact of credit and underwriting decisions and implementation on portfolio performance Experience leveraging data to engage, influence and share a compelling story to various levels within the organization and with the client Effective leadership and talent management Ability to communicate clearly and leverage critical thinking Use of advanced technical & analytical competencies in driving effective strategic goals within a significant functional area Familiarity with consumer and commercial lending products and practices Experience operating at a strategic level as part of a senior leadership team Strong industry and business knowledge including fundamental knowledge of P&L and Credit Products and Lifecycle Grade/Level: 16 The salary range for this position is 235,000.00 – 390,000.00 USD Annual. This position is also eligible for an Annual Incentive Plan target of 30% of salary and an Annual Equity target of 30% of salary. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2503847 Job Description: Role Summary/Purpose: The AVP, PayPal Savings Technology Lead is responsible for providing technical expertise and process execution to support the PayPal Savings program. This individual acts as the technical point of contact, coordinating technology oversight, program delivery, solution architecture, governance, audits, issue management, and support the identification of key technology risks. This role will be responsible for oversight across cross functional and cross client teams to ensure compliance with Synchrony standards. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home, near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Partner with key stakeholders (including GMs, PayPal leaders, product and technology leads, architects and other stakeholders) to implement deposit product features and provide ongoing communication through project execution. Provide oversight over all the phases of SDLC including but not limited to technical requirements, design/architecture, build, testing, QA, and Production deployment. Manage technology relationship with PayPal and internal cross-functional business and technology teams. Support project and program management for the PayPal Savings program, focusing on Synchrony governance and oversight requirements of PayPal led initiatives Coordinate internal cross functional workstreams to ensure leadership is up to date on status of the program. Ability to analyze production defects, troubleshoot systems, identify root cause, and implement fixes. Own technology L3 governance activities related to PayPal Savings, including the ongoing identification, assessment of key operational risks (RCSA’s) and the effectiveness of controls that address those risks. Act as the primary technical liaison for internal and external audits, coordinating documentation requests, managing responses, and driving resolution of audit findings. Document IT oversight governance of key processes, reviews, controls, and governance processes, including but not limited to projects, production incidents, disaster recovery testing. Participate in issue management processes including Enterprise Governance, Risk Management and Compliance (EGRC) processes. Perform other duties and/or special projects as assigned. Qualifications/Requirements: Bachelor's degree in Computer Science, Engineering, or a related field with minimum 4+ years of experience in Information Technology OR in lieu of the Bachelor's degree, High School diploma and minimum 8 years of experience in Information Technology. Prior experience as technical lead/technical project or program manager Experience owning and delivering a mission critical projects on time and within budget Willing to work in a fast-paced environment with PayPal as well as internal cross functional teams Ability to develop and maintain strong collaborative relationships at all levels across IT and Business Stakeholders. Excellent written and oral communication skills. Adept at presenting complex topics, influencing and executing with timely / actionable follow-through. Desired Characteristics: Prior work experience in Banking/FinTech company Ability to drive strong partnerships with second line teams Demonstrated ability to manage complexity and multiple initiatives Experience in retail deposits, regulatory, or risk Experience dealing with sensitive data and software development in highly regulated environment Demonstrated experience in working with partners and clients Leadership experience operating at a strategic level as part of a cross functional team Experience operating as part of a cross functional team Use of advanced technical & analytical competencies in driving effective strategic goals Advanced experience with SAS/SQL or other related analytic tools Experience in leading QA teams Experience with Client/Partner management Grade/Level: 11 The salary range for this position is 90,000.00 – 155,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Information Technology Read Less

Job ID: 2503884 Job Description: Role Summary/Purpose: The VP, Fraud/GEN AI Validation COE is responsible for performing model validation for all the fraud models, and ensure they are meeting the related MRM policies, standards, procedures as well as regulations (SR 11-7). In addition, this role will establish and maintain a validation center of excellence to support the model governance team in designing the quality assurance process and leading the execution across all validations, act as an incubation center to test and run innovation, provide standardized training and staff development, and support the improvement of the model risk professional practice to improve the model stakeholder experience. This role requires high level of expertise with minimal technical supervision to serve as project lead as well as being accountable for validation results. The COE will closely partner with the model governance lead as well as other validation leads to drive tangible improvements to the model risk practice. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Candidate will be responsible for work related to model validation and validation COE, both of which are outlined below: Model Validation COE – The candidate is expected to draw experience from validation to establish a validation center of excellence and support the model governance lead to drive best practice, specifically the objectives of the COE are: GEN AI Model Risk Management: Lead the creation and implementation of a comprehensive, end-to-end governance framework for Generative AI models, establishing clear standards, procedures, documentation templates, and process to effectively manage model risks such as hallucination, accuracy, and bias. This framework will enable the organization to consistently monitor and control these critical aspects throughout the model lifecycle, ensuring reliable and trustworthy AI outputs with disciplined and transparent oversight. Quality assurance and Capacity Planning: Establish and maintain a quality assurance process to thoroughly review and assess validation practices. Proactively challenge the status quo to identify gaps or improvement opportunities in validation efforts. Provide guidance on best practices, support capacity planning, and collaborate with the Model Governance team to recommend and implement enhancements that strengthen the overall validation framework. Strategy & Innovation: Serve as an incubation center to explore, test, and implement innovative approaches—leveraging Generative AI capabilities—to accelerate and improve the speed, efficiency, and quality of model validation processes. Professional Practice: Support the Model Governance team to improve 1LOD model owner experience and bring value focused validation practice. Model Validation: Accountable for all fraud model risk management and drive the timeline and completion of the projects with minimal guidance. Supervisory role working with junior reviewers in validation projects. Handle escalation of issues and dispute with model owner level independently. See through the issues remediation, root cause analysis, and potential risk acceptance. Support regulatory examinations and internal audits of the modeling process and selected models samples. Perform other duties and/or special projects as assigned. Qualifications/Requirements: 5+ years of experience in acquisition/transaction fraud model development or model validation in financial services, with experience in CI/CD frameworks preferred. Experience in generative AI model validation, framework development, or complex use case development. Proven experience automating validation processes and reducing cycle times using AutoML, generative AI, and related tools, including the ability to design and build necessary supporting infrastructure Master’s degree in Statistics, Mathematics, Data Science, or a related quantitative field; or 9+ years of equivalent experience in model development/validation within financial services, banking, or retail. 4+ years hands-on experience with data science and statistical tools such as Python, SPARK, Data Lake, AWS SageMaker, H2O, and SAS. 4+ years of machine learning experience, including handling large datasets and trend analysis. 4+ years applying US regulatory requirements for Model Risk Management. Ability and flexibility to travel for business as required Desired Characteristics: Strong knowledge of Model Risk Management regulatory requirements with a proven track record of compliance delivery. Experience in people and project management, including developing actionable plans, executing effectively, and meeting deadline-driven objectives. Familiarity with credit card and consumer finance products and business models. Knowledge of Credit Card/Consumer Finance products and business model. Excellent written and oral communication and presentation skills. Grade/Level: 12 The salary range for this position is 135,000.00 – 230,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less

Job ID: 2502813 Job Description: Role Summary/Purpose: The VP, Recovery Legal Strategy will lead end-to-end strategy development and analytics for Synchrony’s Legal Recovery business, with responsibility for $100–150MM annual recovery income / net loss impact and $30–35MM expense budget. This role is accountable for delivering superior business performance through innovation and advanced analytics across the entire Legal Recovery process lifecycle. The VP develops, executes, and continuously optimizes strategies to maximize net loss reduction within budget and to ensure regulatory and compliance excellence. Collaborating closely with Recovery Operations, Legal, Compliance, Fair Lending Technology, Finance, and Business Intelligence / Reporting, this leader drives top-tier results through rigorous analytics and continuous business transformation. The person in this role will also be backup for the VP, Recovery Debt Sales Strategy role. Our Way of Working We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home, near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events. Essential Responsibilities: Own the development, testing, execution, and ongoing optimization of legal recovery strategies for all Synchrony businesses / platforms, clients and products, including segmentation, legal vs. non-legal channel optimization, legal channel management, and post-judgment recovery including dormant (non-performing) judgment strategies. Lead advanced analytics and predictive modeling initiatives (e.g., CHAID/CART, champion-challenger testing) to enhance legal recovery effectiveness, profitability, and efficiency. Lead rigorous business case development, risk assessment, implementation, and validation of all new or modified strategies, ensuring swift and successful rollouts. Develop a transformational legal recovery strategy vision and multi-year roadmap. Lead discussions with executives to ensure they understand and support the future state vision and roadmap. Conduct benchmarking and industry research to identify legal strategy and operational best practices. Actively manage a portfolio of legal recovery strategies, including tracking performance and providing regular updates to senior management and to other stakeholders. Drive cross-functional partnerships with Recovery Operations, Legal, Compliance, Fair Lending, Business Intelligence / Reporting, Model Development, external law firms, and other stakeholders to ensure aligned, effective, and compliant execution. Monitor legal recovery performance, capitalize on opportunities to improve liquidation rates, operational efficiencies, accuracy, and cost management. Ensure strict compliance with all applicable laws, regulations, regulatory guidelines and company policies; proactively prevent, detect, and remediate any Legal Recovery strategy issues. Develop, implement, and maintain robust documentation, controls, and governance for all legal recovery strategies / non-model tools (NMTs); lead legal strategy support for second line reviews, internal audits and regulatory exams. Perform other duties and/or special projects as assigned. Qualifications/Requirements: Bachelor’s degree in a quantitative major (e.g., STEM, economics, business); in lieu of a degree 11+ years of strategy, analytics, collections/recovery, risk, or legal/recovery management experience. 8+ years of strategy, analytics, collections/recovery, risk, or legal/recovery management experience. 5+ years of experience with data analytics and segmentation platforms (e.g., SAS, SQL, Python/R, CHAID / CART decision tree software). Desired Characteristics: 3+ years of experience leading legal recovery strategy, attorney management, or litigation recoveries in the financial industry (preferably for a credit card issuer). Expertise in legal/regulatory frameworks impacting recoveries (FDCPA, Fair Lending, UDAAP, etc.). Demonstrated success developing and executing strategy, testing protocols, and delivering measurable results in a regulated financial services environment. Experience managing processes, risks and controls. Exceptional communication, cross-functional leadership, and executive influencing skills. Outstanding project management, organizational, and change leadership abilities. Advanced degree (Master’s or JD) preferred. Grade/Level: 12 The salary range for this position is 135,000.00 – 230,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. Eligibility Requirements: You must be 18 years or older You must have a high school diploma or equivalent You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Our Commitment: When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time Job Family Group: Credit Read Less